编者按：近日，商务部等9部门发布《关于扩大服务消费的若干政策措施》，提出五方面19条举措。其 中，在"加大消费信贷支持力度"方面提及"支持金融机构扩大服务消费领域信贷投放，加大对服务消费 领域经营主体信贷投放力度""支持金融机构针对服务消费经营主体特点和融资需求，创新开发特色金融 产品和服务"等举措，为金融助力扩大服务消费指明了方向。 农信系统如何助力服务消费？形成了哪些好的措施和做法？近日，《农村金融时报》记者走访浙江农信 系统多家农商银行，探寻地方金融主力军如何引金融活水，精准赋能地方消费新生态。 ■本报记者 田耿文 王爱静 个体工商户在服务消费市场供给端扮演着重要角色，但这类经营主体往往具有经营规模小、抗风险能力 弱、缺少抵押物等特点，常常面临"融资难、融资贵"的困境。对此，平湖农商银行立足"支农支小"定 位，深入市场走进商户，对接其资金需求，助力解决个体工商户融资难题，让消费市场供给端的活力不 断涌现。 该行还联合平湖市市场监督管理局建立"政银融合"服务体系，成立"个体工商户发展服务联盟"，对 照"名特优新""放心消费商户"清单，根据企业经营发展特性，分型分类做好综合性金融服务。 为紧贴市民多元化的消 ...

Core Insights - The core focus of Guangxi's agricultural cooperative institutions is to enhance accessible and convenient inclusive financial services, particularly targeting rural communities and small enterprises [1][2][8] Group 1: Financial Services Expansion - As of June 2025, Guangxi's agricultural cooperative institutions have established 1,916 business outlets, 11,350 convenience service points, 3,240 rural financial service stations, and 5,889 self-service devices [2] - The convenience service points have significantly improved access to basic financial services for rural residents, effectively addressing the "last mile" issue in rural financial services [2] Group 2: Innovative Financial Products - Guangxi's agricultural cooperative institutions have introduced a range of tailored financial products to meet the diverse financing needs of small businesses and individual consumers, including "Xiaomoli Easy Loan" with a quick approval process [6] - As of June, the personal consumption loan balance reached 1,711.56 billion, an increase of 46.46 billion since the beginning of the year, with online consumption loans amounting to 206.42 billion [6] Group 3: Integration with Healthcare Services - The "Smart Medical" platform has been implemented to streamline medical processes, reducing average waiting times for outpatient services by 70% [7] - The platform connects over 600 medical institutions, allowing patients to complete various medical procedures efficiently, integrating financial services with healthcare [7] Group 4: Future Directions - Guangxi's agricultural cooperative institutions plan to continue optimizing financial services and deepen their integration into the "15-minute convenient living circle" to enhance residents' quality of life [8]

Core Viewpoint - Shanxi Qinxian Rural Commercial Bank is committed to serving the agricultural sector and rural revitalization by providing tailored financial services to meet the diverse needs of agricultural entities [1][2]. Group 1: Financial Services and Support - The bank actively engages with local agricultural cooperatives, such as the Nanyuan Pig Farming Cooperative, to understand their financial needs and challenges [1]. - A quick response from the bank led to the disbursement of 300,000 yuan (approximately 43,000 USD) within two days to support the cooperative's operational costs, including purchasing quality feed and vaccines [2]. - The bank has implemented a "ledger-style" management system to streamline loan approval processes and enhance support for the agricultural sector [2]. Group 2: Innovative Financial Products - The bank has introduced specialized loan products like "Agricultural Machinery Loan" and "Grain Easy Loan" with preferential interest rates to reduce financing costs for farmers [2]. - New credit products such as "Jinxiang e-loan," "Code Merchant Loan," and "Salary Loan" have been developed to cater to the specific needs of clients [2][3]. Group 3: Customer Engagement and Relationship Building - The bank has shifted from a passive service model to proactive customer engagement, conducting face-to-face visits to understand client needs better [3]. - A customer visit ledger has been established to track financial needs and prepare for future marketing strategies, aiming to increase customer conversion rates [3]. - The bank's efforts in community engagement have resulted in a continuous growth in customer numbers, enhancing its market presence [3].